0141 376 0116
Based in Glasgow
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FCA status: Certified by Firm
Ray is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Ray's status
Last checked: 26 June 2025
Ray is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Ray's status
66
Recent Client Reviews
Ray has received 66 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Ray has received 66 client reviews in the past 12 months; 100% of these have been verified
Independent Financial Adviser
An independent adviser can advise across a sufficiently diverse range of products to help meet a client’s objectives. They are in no way limited to products provided by companies they work for.
Last checked: 08 July 2025
An independent adviser can advise across a sufficiently diverse range of products to help meet a client’s objectives. They are in no way limited to products provided by companies they work for.
Qualifications Uploaded
Ray has not yet added their qualifications to their profile
Qualifications not yet added
Ray has not yet added their qualifications to their profile
Transparent Fees
Ray has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
Ray has provided information on their typical fees
Ray has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
Checks carried out by VouchedFor
FCA status: Certified by Firm
Ray is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Ray's status
Last checked: 26 June 2025
Ray is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Ray's status
66
Recent Client Reviews
Ray has received 66 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Ray has received 66 client reviews in the past 12 months; 100% of these have been verified
Independent Financial Adviser
An independent adviser can advise across a sufficiently diverse range of products to help meet a client’s objectives. They are in no way limited to products provided by companies they work for.
Last checked: 08 July 2025
An independent adviser can advise across a sufficiently diverse range of products to help meet a client’s objectives. They are in no way limited to products provided by companies they work for.
Qualifications Uploaded
Ray has not yet added their qualifications to their profile
Qualifications not yet added
Ray has not yet added their qualifications to their profile
Transparent Fees
Ray has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
Ray has provided information on their typical fees
Ray has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
Hi, I’m Ray Galt, a dedicated financial adviser with Ascot Lloyd, bringing over 35 years of experience to help clients achieve their financial goals. At Ascot Lloyd, we pride ourselves on delivering personalised, financial advice tailored to each client’s unique needs. I specialise in retirement planning, investment management, and navigating complex tax planning strategies. My approach is straightforward: I take the time to truly understand your goals, values, and concerns, so together we can create a personalised plan that gives you confidence about your financial future. I believe in making financial advice accessible and easy to understand, empowering my clients to make informed decisions every step of the way. When I’m not working, I enjoy music - both playing and listening. I am a big sports fan, and try to watch live matches or events whenever I can. Whether you’re looking for guidance on investments, preparing for retirement, or just starting your financial journey, I’m here to help. Let’s work together to turn your aspirations into reality.
£430,000 Consumer Protection
Your money is protected against bad advice by the Financial Ombudsman Service up to a maximum limit of £430k and by the Financial Services Compensation Scheme (FSCS) if the company goes out of business (in which case, limits may vary - see the FSCS website for more details).
About Ray's clients
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Adviser Disclaimer
Capital at Risk The FCA does not regulate tax/trust planning. Tax Rules are Subject to Change.